<PRE><B>Question 455715</B>
&lt;pre&gt;
The formula for the kth term of 
 
(U + V)&lt;sup&gt;N&lt;/sup&gt; 
 
is

C(N,k-1)U&lt;sup&gt;N-k+1&lt;/sup&gt;V&lt;sup&gt;k-1&lt;/sup&gt;


Therefore to find the the 11th term of (b-3)&lt;sup&gt;12&lt;/sup&gt;,

we substitute b for U, -3 for V, 12 for N and 11 for k

and then

C(N,k-1)U&lt;sup&gt;N-k+1&lt;/sup&gt;V&lt;sup&gt;k-1&lt;/sup&gt;

becomes

C(12,11-1)b&lt;sup&gt;12-11+1&lt;/sup&gt;(-3)&lt;sup&gt;11-1&lt;/sup&gt;

C(12,10)b&lt;sup&gt;2&lt;/sup&gt;(-3)&lt;sup&gt;10&lt;/sup&gt;

66b&lt;sup&gt;2&lt;/sup&gt;(59049)

3897234b&lt;sup&gt;2&lt;/sup&gt;

Edwin&lt;/pre&gt;</PRE>